User's Manual

7DEOHRI&RQWHQWV
)RUHZRUG
$FFHVVRULHV
*OLPSVHRI<RXU3KRQH
.QRZLQJWKH.H\V
8QGHUVWDQGLQJ'LVSOD\,FRQV
3UHSDULQJ<RXU3KRQH
,QVWDOOLQJ6,0&DUG
,QVWDOOLQJ%DWWHU\
5HPRYLQJ%DWWHU\
&KDUJLQJ%DWWHU\
6HFXULW\&RGHV
8VLQJ<RXU3KRQH
6ZLWFKLQJ21
0DNLQJD&DOO
&DOOLQJDQXPEHULQWKHSKRQHERRN
&DOODQXPEHULQWKH&DOO5HFRUGV
5HFHLYHD&DOO
5HMHFWLQJD&DOO
$GMXVW9ROXPH
(QGD&DOO
/RFNWKHNH\SDG
(PHUJHQF\6HUYLFHV
&DOORSWLRQV
6ZLWFK2II
0HQX6WUXFWXUH
606
1HZ0HVVDJHV
,QER[
(QFU\SWHG0HVVDJH
6HQW
'UDIWV
7HPSODWH
6HWWLQJV
&HOO%URDGFDVW
9RLFH0DLO
0HPRU\6WDWXV
3KRQH%RRN
*DPHV
&DOO5HFRUGV
$ODUP
6HWWLQJV
3KRQH6HWWLQJV
5LQJWRQH6HWWLQJV
'LVSOD\6HWWLQJV
&DOO6HWWLQJV
1HWZRUN6HWWLQJV
6HFXULW\6HWWLQJV
5HVWRUH)DFWRU\6HWWLQJV
0\3ODQQHU
([WUDV
7XQHU
&DOFXODWRU
3HUSHWXDO&DOHQGDU
1RWH%RRN
6WRSZDWFK
&RQYHUWHU
:RUOG7LPHV
&XUUHQF\&RQYHUWHU
+HLJKW:HLJKW
%LRUK\WKP
+DQGVHW'DWD
67.
,QSXW0HWKRGV
7KH1XPHULF,QSXW0HWKRG
7KH$OSKDEHWLFLQSXW0HWKRGDEF$%&
7KH3UHGLFWLYH(QJOLVK,QSXWHQJ(QJ
(1*
7HFKQLFDO6SHFLILFDWLRQV
6$5
6DIHW\
&DULQJIRU%DWWHU\
(QYLURQPHQW
7DEOHRI&RQWHQWV








































































7DEOHRI&RQWHQWV
7DEOHRI&RQWHQWV
)RUHZRUG
$FFHVVRULHV
)RUHZRUG
QRWLILFDWLRQ EXW ZLOO EH LQFRUSRUDWHG LQWR
QHZHUHGLWLRQV0RUHLQIRUPDWLRQDQGKHOSRQ
\RXU SKRQH PD\ EH DYDLODEOH DW WKH
PDQXIDFWXUHU¶V ZHEVLWH 7KH PDQXIDFWXUHU
UHVHUYHV DOO ULJKWV WR WKH FRQWHQWV KHUHLQ
&RS\ULJKWVDQGWUDGHPDUNVPHQWLRQHGLQWKLV
GRFXPHQWUHPDLQZLWKWKHLUUHVSHFWLYHRZQHU
5HSURGXFWLRQ WUDQVIHU VWRUDJH RU GLVWULEX
WLRQLQZKROHRULQSDUWRIFRS\ULJKWHGPDWHUL
DOV ZLWKRXW SULRU ZULWWHQ SHUPLVVLRQ LV
H[SUHVVO\SURKLELWHG
:H VWURQJO\ UHFRPPHQG \RX FDUHIXOO\ UHDG
DQG XQGHUVWDQG WKLV PDQXDO EHIRUH XVLQJ
\RXU SKRQH LQ RUGHU WR NHHS LW XQGHU EHVW
FRQGLWLRQV IRU \RXU HIIHFWLYH XVDJH DQG
XWPRVWVDWLVIDFWLRQ
7KDQN\RXIRUFKRRVLQJ%LUGPRELOHSKRQH±
\RX KDYH PDGH D ZLVH FKRLFH FRQJUDWXOD
WLRQV
2XU FHOOXODU SKRQHV DUH DSSURYHG IRU *60
QHWZRUNV DQG PHHW VWULQJHQW (XURSHDQ
VWDQGDUGV<RXUSKRQHPD\EHXVHGLQWHUQD
WLRQDOO\ZLWKYDULRXVQHWZRUNVGHSHQGLQJRQ
\RXUURDPLQJDUUDQJHPHQWVZLWK\RXUVHUYLFH
SURYLGHU
7RXVHWKLV SKRQH \RX PXVW VXEVFULEH WR D
*60 VHUYLFH IURP D SURYLGHU :H KDYH
LQFOXGHG PDQ\ IHDWXUHV LQ WKLV GHYLFH EXW
WKHLU IXQFWLRQ GHSHQGV RQ WKH IHDWXUHV
DYDLODEOHZLWK\RXUVXEVFULEHGZLUHOHVVQHWZRUN
3OHDVHFRQWDFW\RXUVHUYLFHSURYLGHUIRUPRUH
LQIRUPDWLRQ
7KLV 8VHU 0DQXDO LV SXEOLVKHG E\ WKH
PDQXIDFWXUHU ZLWKRXW DQ\ ZDUUDQW\
5HYLVLRQV DQG LPSURYHPHQWV UHVXOWLQJ IURP
W\SRJUDSKLFDO HUURUV LQDFFXUDF\ RI FXUUHQW
LQIRUPDWLRQDQGLPSURYHPHQWVWRWKHGHYLFH
RU VRIWZDUH PD\ EH GRQH ZLWKRXW DQ\ SULRU
$FFHVVRULHV
'2127SOXJRUXQSOXJWKHHDUSKRQHZKHQ
FRQQHFWLQJGLDOHGRULQFRPLQJFDOOV
8VHRQO\EDWWHULHVFKDUJHUVDQGDFFHVVRULHV
DSSURYHGE\%LUGZLWKWKLVGHYLFH8VHRIDQ\
RWKHU W\SHV ZLOO LQYDOLGDWH WKH ZDUUDQW\ DQG
PD\EH GDQJHURXV &KHFN ZLWK\RXU GHDOHU
IRUDYDLODEOHDFFHVVRULHV<RXPD\RSWWREX\
([WUD%DWWHU\
([WUD EDWWHULHV RI YDULRXV FDSDFLWLHV DUH
DYDLODEOHIURPRXUFRPSDQ\RUWKURXJK\RXU
GHDOHU
4XLFN&KDUJHU
/LJKWZHLJKWSUDFWLFDOTXLFNFKDUJHUVXVHGWR
FKDUJH RQ ZDOO RXWOHWV &KDUJLQJ WLPH LV
DERXWWRKRXUV7KHFKDUJLQJFRQGLWLRQLV
GLVSOD\HG RQ VFUHHQ <RX PD\ XVH \RXU
SKRQHZKLOHFKDUJLQJ
(DUSKRQH
$PLQLSUDFWLFDOKDQGVIUHHGHYLFH\RXFDQ
XVHLWVEXWWRQWRDQVZHUDQGHQGFDOOV6RPH
PRGHOVPD\DOVRFRPHZLWKDYROXPHFRQWURO
NQRE